Sivo built an integration with Zapier, a platform that connects thousands of software solutions automatically, so you can focus on your most important work. What does this mean? You connect and move information between applications without any code, or development.. This guide describes how you use Zapier to send your loan data to Sivo.

We’ll cover the following four topics:

Note: the Sivo Zapier application is currently hidden from the marketplace and is only accessible through an invitation. To get invited, please contact our team via live chat on sivo.com.

Establishing a Zapier account and connecting your data source to Sivo

1. If you don’t already have one, head over to Zapier.com and sign up for an account.

2. Locate your email invitation to connect to Sivo via Zapier (if you cannot find it, reach out to your CSM or chat with us on sivo.com), click the link in the invitation email to accept it.

3. Upon clicking the link, you’ll see the following screen open in your browser.:

4. Click Accept Invite, and you’ll land on your Zapier dashboard to start the connection. At this point, the Sivo app will be available for you to use in your Zapier account.

5. On the left sidebar, click Create Zap.

6. You’ll be prompted to select a trigger. A trigger is an event that starts a Zap. Once you've set up a Zap, Zapier will monitor for that trigger event. For this trigger you’ll select where your loan data lives. This can be your database, data warehouse, or a Google sheet. For this guide, we’ll use a Google sheet.

7. In this case, our trigger will be New or Updated Spreadsheet Row in Google Sheets. Your workflow triggers when you add a new row to the sheet connected to the Zap.

8. If your Google Sheets account isn’t connected to Zapier, you’ll be prompted to authorise Zapier to read your data. Once authorized, you’ll be able to select the sheet containing your loan data.

9. If using a Google Sheet, you’ll be prompted to choose a trigger column. This tells the Zap to look for updates to a specific column of the new or updated rows to trigger the Zap.

Mapping your data to Sivo's object model

Now that you’ve connected your data source to Zapier, it’s time to map your fields to the Sivo loan record. Using their drag and drop user interface, you’ll map a series of data fields to Sivo’s data model required to continue on a path to leverage.

1. Under the action step, Select Sivo App 0.1.5 as the application.

2. Select Upsert Originator Loan. This action works for adding new records and updating existing ones based on the unique identifier you’ll map in the next section.

3. You’ll be asked to login to your Sivo account to authorise Zapier to write data into your Sivo account. The credentials must be a Sivo user with an admin role.

4. The Sivo connection gives you the option to use either the Sandbox or Live environment. You select your environment on the Sivo dashboard in the global navigation. Sandbox shows your test sharing data through Zapier before pushing it to production.

Note: There are two versions of the connector; the originator must always select the lower version of the two (in this case 0.1.3, but this will keep increasing for each release). The higher version points to the Staging environment. Production Live/Sandbox, Staging Live/Sandbox (Sivo Internal note)

Mapping your loan data

Now that you connected your data source and Sivo account, you’ll map your loan data from your data source to Sivo.

Our pre-built connector follows specific requirements for consumer or business loans. The table below describes the requirements for each.

Consumer Loans

Field name

Sub-field1 name

Sub-field2 name

Definition

Borrower

country

A country identifier in ISO-3166-Alpha2 format. Country where the consumer has their primary residence A country identifier in ISO-3166-Alpha2 format

date_of_birth

Consumer Date of Birth - in ISO 8601 format A date in ISO-8601 format (YYYY-MM-DD)

external_id

The unique ID you assign to your Borrower in your database A string-like text value

first_name

First name of the consumer A string-like text value

identity_document

The actual ID number for the business A string-like text value

last_name

Last name of the consumer A string-like text value

type

Consumer

Currency

The currency of financing provided by this loan A currency identifier in ISO-4217 format

Current Balance

Current balance of this loan A monetary amount expressed as an integer that includes the smallest currency denomination. For example, $10.00 is represented as 1000 An 8 byte positive integer. Maximum value of 9,223,372,036,854,775,807 (2^63-1)

Debt Line ID

A universal identifier (all lowercase). Provided by Sivo.

Disbursed Amount

The amount that was disbursed for this loan A monetary amount expressed as an integer that includes the smallest currency denomination. For example, $10.00 is represented as 1000 An 8 byte positive integer. Maximum value of 9,223,372,036,854,775,807 (2^63-1)

Expected Payoff Date

Date on which the loan is expected to be paid off A date in ISO-8601 format (YYYY-MM-DD)

External ID

The unique ID you assign to your Borrower in your database A string-like text value

ID

Type

Interest Rate

Rate

A percent value represented as a value between 0 and 1. For example, 0.05 represents 5%

Origination Date

Date on which the loan was originated A date in ISO-8601 format (YYYY-MM-DD)

Originator ID

A universal identifier (all lowercase). Provided by Sivo.

Pledged

Is this loan pledged to the debt line A boolean value

Status

Current loan status: can be active, paid_off, late or charged_off

Business Loans

Field name

Sub-field1 name

Sub-field2 name

Definition

Borrower

External ID

The unique ID you assign to the loan in your database A string-like text value

Identity Document

Type

The type of ID you used to verify your business: US EIN or National Business Tax ID.

ID

The actual ID number for the business

Incorporation

Country

The country in which the business is incorporated A country identifier in ISO-3166-Alpha2 format

State

If incorporation country = US, the State in which the business is incorporated A string-like text value

Date

The date on which the business was incorporated A date in ISO-8601 format (YYYY-MM-DD)

Industry

The standard industry code for the business industry. Pattern: "^\\d{6}$". Recommended resource: https://www.census.gov/naics/?58967?yearbck=2017

Legal Name

The legal name of the business A string-like text value

Operation Countries

List of A country identifier in ISO-3166-Alpha2 format

Type

The organizational type of the business

Currency

The currency of financing provided by this loan A currency identifier in ISO-4217 format

Current Balance

Current balance of this loan A monetary amount expressed as an integer that includes the smallest currency denomination. For example, $10.00 is represented as 1000 An 8 byte positive integer. Maximum value of 9,223,372,036,854,775,807 (2^63-1)

Debt Line ID

A universal identifier (all lowercase). Provided by Sivo.

Disbursed Amount

The amount that was disbursed for this loan A monetary amount expressed as an integer that includes the smallest currency denomination. For example, $10.00 is represented as 1000 An 8 byte positive integer. Maximum value of 9,223,372,036,854,775,807 (2^63-1)

Expected Payoff Date

Date on which the loan is expected to be paid off A date in ISO-8601 format (YYYY-MM-DD)

External ID

The unique ID you assign to your Borrower in your database A string-like text value

Interest Rate

Type

Rate

A percent value represented as a value between 0 and 1. For example, 0.05 represents 5%

Origination Date

Date on which the loan was originated A date in ISO-8601 format (YYYY-MM-DD)

Originator ID

A universal identifier (all lowercase). Provided by Sivo.

Pledged

Is this loan pledged to the debt line A boolean value

Status

Current loan status: can be active, paid_off, late or charged_off

Testing and turning on the connection

1. Once you map the required loan data fields, trigger the Zap to run by sending your data. If anything goes wrong, you’ll be prompted with an error message describing the issue. If everything looks good, you’ll see a success message.

2. You can also log into Sivo and select Sandbox from your dashboard to see how this loan data will be displayed in your dashboard.

3. Once the zap is ready to go, change your environment settings to Live and new loans will start flowing into your Sivo account.

4. Log into Sivo and select Live from your dashboard to see new loans flowing into your Sivo account.

You did it! You shared loan data with Sivo through Zapier!

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